Long-term disability rights for long COVID
In Canada, most long-term disability (LTD) insurance policies will pay benefits if you can show that you have a disability that prevents you from working. This includes individuals in Ontario, Alberta, and British Columbia who have coverage.
What is critical for all claims, whether physical, emotional, psychological, cognitive, or a combination, is having your treating doctor or medical professional indicate that your condition is significant enough that you aren’t able to work.
If long COVID is affecting your ability to work, and you have medical documentation from your doctor stating your condition is significant enough that you are unable to work, then you are entitled to claim for and receive LTD benefits for as long as you remain disabled.
READ MORE
• Applying for LTD insurance during the COVID-19 pandemic
• I can’t work because COVID-19 is affecting my mental health
• Employment rights during the COVID-19 pandemic
WATCH: Disability lawyer Sivan Tumarkin explains the three things you should do if you are unable to work because of COVID-19 on an episode of the Disability Law Show.
Long-term disability denied? Don’t appeal
If your LTD claim is denied by your insurance provider, you will likely receive a letter inviting you to appeal the decision.
While it might seem like a good idea to do so, in almost all cases, the appeals process will be handled by the same insurer that denied your claim.
Insurance companies make money by not paying claims. They often use the appeals process (sometimes leading claimants to request multiple appeals) to run out the clock on your ability to file a claim against them to get the money you are owed.
If your LTD claim is denied, cut off, or comes under “investigation”, contact our firm immediately.
LEARN MORE
• Appealing a long-term disability claim denial
• Disability lawyer discusses Ontario woman’s life insurance denial
Denied LTD for long COVID? Contact us
If long COVID is affecting your ability to work, and your insurance provider has denied your LTD claim, contact the experienced disability law team at Samfiru Tumarkin LLP.
Our lawyers regularly resolve life insurance, mortgage insurance, and LTD claim denials.
We can help ensure that you get the compensation you are owed.
